Kareleo Business Centre

payroll has more liquid financial products
Today preferences have changed as far as financial products are concerned. Before you bet much risk products with high yields and a relatively long maturity. Today, it is normal to find conservative investors who prefer low profitability and a shorter maturity, which means that liquidity is a priority.

This translates into savings accounts and deposits are financial products most often requested. Many investors are convinced the liquidity, enabling them to have that money at any time without fees. During 2009, requests have increased dramatically due to economic uncertainty gripping the country. If earlier this year was a 39% total household savings deposited in demand accounts, that percentage has now risen to 43%.

Normally the interests of these accounts are very low, much lower than official rates. According to data from the Bank of Spain, the average interest rates of deposit accounts stood at 0.35% while the price of money it makes at 1%. However, the higher returns we can find savings accounts.

For those who do not pay a mortgage, you are advised to opt for payroll accounts. Offer more attractive rates if the payroll is domiciled.

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